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    • @Andyorch   I didn't know that. Thank you.
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lloyds defending claim

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I have recently filled a claim against lloyds (for £13,527.50) who have acknowledged service and have indicated that they intend to defend all the claim.


The questions i have are:


is this a delaying tactic?


has anyone seen a similar defence and if so have lloyds succesfully defended any claim?


do i need to now instruct a solicitor or is this a waste of money if i will eventually loose?

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You say that you are claiming £13,500 odd-is this a misprint? If not, are you putting through 3 separate claims, or if not, which Court have you applied to?


It is normally a delaying tactic, but it may depend on what you have said to them so far, and your answers to the above questions.

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They said to me that they where defending the claim, i am at the end stage now where they are trying to get me to sign agreements with them, hold on tight, it does get bumpy, but depends on the solicors that they use, email them when you get offers etc, but remember to always put the without prejudice on either emails or letters, that way they cant use in court, ever letter so far from the solicotor has had this on, and every email i have responded back to them, as letters are slow, no need for a solicotor at this stage as they are playing with you

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Thanks for the advice. the figure is correct and is in one claim, i believe the law of disclosure is far more severe for figures over £5000 so surely lloyds cant want to risk having to prove their actual costs!!!

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Hi bucca, sorry I missed this thread, must have slipped through when I had my back turned ;)


To answer your original questions. Lloyds have allowed not one single claim to make it in to the court, having settled out of court in advance. It's bog-standard proceedure for them to state they will be defending the claim, even file a defense - and even return their Allocation Questionnaire - before offering you a full and final settlement. It may be worth contacting their solicitors and asking if they are willing to enter in to a settlement, to 'prevent the claim reaching the next stage'. Try not to sound overconfident or arrogant if you do so, but it may result in you hearing back from the solicitors that much sooner - especially as this is a very large claim.

reload vs Lloyds - £2703.11 Settlement Reached 14/07/06.

reload vs Lloyds Round 2 - Prelim sent 27/03/07. £435 owed.

reload vs Capital One - £456.57 Settlement Reached 14/07/06.

reload's mum vs Barclays - £745 owed. £375 partial settlement reached 17/10/06.

Lloyds Bank - The Template Response Letters!


Advice & opinions of reload are offered informally, without prejudice and without liability. Please use your own judgment. Seek advice of a qualified insured professional if you have any doubts.

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Interesting thread bucca - my claim is for about £6400 so I am in a similar position. Expecting Acknowledgement by 10 July 2006.



Lloyds TSB - 27/11/06 - £6377 paidrest with FOS



Cap One - 6/10/06 - £875

Lloyds TSB (MC) - 20/10/06 (BY DEF) £372

Hitachi Cap - Nov. 06 - £207

Citi Cards - 28/12//06 - £220

Monument - 23/1/07 - £889

Barclaycard (Mrs. Bean) - 19/2/07 £376

Opinions / advice of Bean are independent, informal, without prejudice, without liability, not CAG endorsed. If in doubt, ask a qualified professional.

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